*As low as 2.99% APR for up to 36 months for qualified borrowers. Model year 2016 and newer vehicles qualify for this rate. Requires automatic payments out of a qualifying checking account. All loans are subject to participating lender's lending policies and loan-to-value guidelines. Your rate and term will be determined by individual creditworthiness including income, debt-to-income ratio, employment, and credit history. Verification of income may be required. Must be 18 years of age to qualify for a loan. Loan promotions cannot be combined with any other offer. No other rate discounts apply. Offer, rates, and terms are subject to change. First payment may be deferred up to 90 days and interest begins accruing on the contract date regardless of your first payment date. A negotiable dealer documentary service fee up to $200 may be added to the vehicle sale price. Financing through participating lender requires membership eligibility. Offer expires 6/2/2025. Sample payment: 2.99% APR with first payment deferred 90 days requires 36 monthly payments of approximately $1,170.00 on a $40,000 loan.